余额转移节省计算器 — 公式

Balance Transfer Strategy

A balance transfer moves high-rate credit card debt to a card with 0% introductory APR.

Cost-Benefit Analysis

Interest saved = Balance x Monthly Rate x Intro Months

Transfer fee = Balance x Fee Percentage (typically 3-5%)

Net savings = Interest Saved - Transfer Fee

Key Rules

  • Pay as much as possible during the 0% period
  • After the intro period, remaining balance accrues interest at the regular rate (often 18-25%)
  • Missing a payment may void the intro rate

    • 计算示例

    $8,000 at 24% APR, transfer to 0% card with 3% fee for 18 months, paying $500/month.

    1. Transfer fee = $8,000 x 3% = $240
    2. Interest saved = $8,000 x 2% x 18 = $2,880 (approximate)
    3. Net savings = $2,880 - $240 = $2,640
    4. Balance after 18 months = $8,240 - ($500 x 18) = $0 (paid off in ~17 months)